I'm delighted my phone has been put back to perfect condition after dropping out my pocket 😍 Great service & very quick turnaround from sending Phone away for repair to being delivered to a pick up... See more
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Review summary
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What people talk about most
Reviews shaping this summary
Excellent service as usual got my new phone yesterday sent off all my details and today I have all the families phones insured. I’ve been with them few years now and won’t go anywhere else tremendous... See more
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Mobile Phone Direct Insurance has been brilliant from start to finish. The sign‑up process was quick, the cover is clear, and the customer support team is genuinely helpful.” “I’m really impressed... See more
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Until today I didn't need the insurance, however it is good to have one, so a Mobile phone is very expensive and cost more as an insurance! I pay for the insurance the is sheaper as a new phone or to... See more
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Company details
- #5 of 12 best companies in Gadget Insurance Company
Written by the company
At Mobile Phone Insurance Direct, we make protecting your phone simple, affordable, and hassle-free. With a 14-day money-back guarantee, unlimited claims, and a UK-based claims team, we’re proud to offer mobile phone insurance that puts you first. We know how frustrating insurance can sometimes be, which is why our policies are built around fair pricing, fast resolutions, and excellent customer service. We have no minimum contract, so you can cancel anytime. Our repairs come with a 12-month warranty, and cover starts instantly for accidental damage, theft, and loss. The claims process is straightforward, with no unnecessary delays. That’s why we’re rated Excellent by our customers and were recognised as the Best Mobile Phone Insurance Provider by Forbes Advisor in 2021. Who We Are Founded in 2010, Mobile Phone Insurance Direct was created to offer a jargon-free, customer-first alternative to overpriced high-street insurance. Backed by over 50 years of industry experience, we’ve cut out the middleman to bring you comprehensive mobile phone insurance at a fair price. Whether you need cover for an iPhone, Samsung, or refurbished device, we have a plan to suit you. Our quick online quote tool provides your price in seconds, and our dedicated UK-based team is always on hand to help. With Mobile Phone Insurance Direct, you’re in safe hands. Get your quote in under 20 seconds and protect your phone today!
Insurance made simple
Written by the company
- Affordable, reliable phone cover
- Since 2010, we’ve provided straightforward mobile phone insurance with no jargon and no middlemen. Our customers enjoy instant protection, unlimited claims, and a friendly UK‑based support team.
- Why our customers trust us
- Great value, excellent service - Our policies include accidental damage, theft, and loss cover, all at budget‑friendly prices. With a simple claims process and thousands of positive reviews, we’re proud to be rated Excellent for customer service.
- Over 50 years of combined expertise
- We know phones inside out - Backed by decades of telecom and insurance experience, we specialise in affordable, comprehensive phone insurance that puts customers first.
Our money‑back promise
14‑day money‑back guarantee
If your policy isn’t right for you, you can cancel within 14 days of purchase for a full refund. No hassle, just a simple guarantee.
Contact info
Get money off insurance with MPID
4.5
Excellent
864 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
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Always on the ball
Always on the ball. Friendly staff. A pleasure to deal with. Good value.
2 April 2026
Reply from Mobile Phone Insurance Direct
Hi Roy,
Thank you for your kind feedback. I’m really pleased to hear you found the team friendly and helpful, and that your overall experience has been a positive one.
It’s great to know you feel the service offers good value and has been a pleasure to deal with.
If you ever need any support in the future, we’re here to help.
Kind regards,
The MPID Customer Service Team
Providing validation proof
Trying to provide validation proof was an extremly hard experience. 5 times my photo was rejected for various reasons. One even said it had a screen protector and cover on....which it didn't another one said i had sent back only, when infact i'd sent both front and back photos.
29 March 2026
Reply from Mobile Phone Insurance Direct
Hi Vicki,
Thank you for taking the time to share your experience. I’m really sorry to hear how frustrating you found the validation process, especially having your photos rejected multiple times.
I completely understand how confusing that must have felt, particularly when the reasons given didn’t seem to match what you’d submitted. That kind of back and forth can be really time consuming and frustrating.
I am glad after speaking to you this morning we could go over this together and look forward to our call at 4:45pm to resolve this for you.
Kind regards,
The MPID Customer Service Team
Reply from Mobile Phone Insurance Direct
Hi Julia,
Thank you for your feedback. I’m really pleased to hear you found the process straightforward.
We always aim to keep things simple and easy to manage, so it’s great to know that reflected in your experience.
If you ever need any support in the future, we’re here to help.
Kind regards,
The MPID Customer Service Team
Great service thanks
27 February 2026
Reply from Mobile Phone Insurance Direct
Hi D Jenkins,
Thank you for your kind feedback. I’m really pleased to hear you had a great experience with our service.
It’s always nice to know things went smoothly for you.
If you ever need any support in the future, we’re here to help.
Kind regards,
The MPID Customer Service Team
Did exactly what they said they would…
Did exactly what they said they would do to update the policy and easy to contact...
1 April 2026
Reply from Mobile Phone Insurance Direct
Hi Jane,
Thank you for your review. We are pleased to hear that your policy was updated as expected and that you found it easy to get in touch.
We aim to keep things clear and straightforward, so it is great to know the experience worked well for you.
Thanks again,
The loveit coverit Team
Constant back and forth with images for…
Constant back and forth with images for phone stating existing damage the phone is in full working order unsure how you can tell this from a picture! But there is no damage at all to phone
1 April 2026
Reply from Mobile Phone Insurance Direct
Hi Natalie,
Thank you for your review. We are sorry to hear about your experience and understand how frustrating this must have felt.
We are glad we were able to speak with you and clarify things. As discussed, once you have sent through the updated photos, we will review these further for you.
If you need anything else in the meantime, please do get in touch.
Let us know if you’d like to follow up privately,
The loveit coverit Customer Experience Team
Reply from Mobile Phone Insurance Direct
Hi there,
Thank you for your feedback. I’m really pleased to hear you had an excellent experience with us.
Your kind words are very much appreciated.
If you ever need any support in the future, we’re here to help.
Kind regards,
The MPID Customer Service Team
1st class service
4 April 2025
Reply from Mobile Phone Insurance Direct
Hi Jeff,
Thank you for your kind words. I’m really pleased to hear you received first class service.
It’s always great to know we’re making a positive impression.
If you ever need any support in the future, we’re here to help.
Kind regards,
The MPID Customer Service Team
Renewed insurance over the phone.
Renewed insurance over the phone.
All good.
Was easy to speak with.
Will renew again pending cost.
8 December 2025
Reply from Mobile Phone Insurance Direct
Hi Catherine,
Thank you for your feedback. I’m really pleased to hear the renewal process over the phone was straightforward and that you found it easy to speak with someone.
It’s great to know everything went smoothly, and we appreciate you considering renewing again in the future.
If you ever need any support, we’re here to help.
Kind regards,
The MPID Customer Service Team
Good website
31 March 2026
Reply from Mobile Phone Insurance Direct
Hi Anthony,
Thanks for your feedback. I’m really pleased to hear you found the website easy to use.
We always aim to keep things simple and straightforward, so it’s great to know that reflected in your experience.
If you ever need any support, we’re here to help.
Kind regards,
The MPID Customer Service Team
Decent price
Decent price, made a claim previously that went through without a hitch. Seems a good price for a fairly expensive phone. S23 Ulta.
30 March 2026
Reply from Mobile Phone Insurance Direct
Hi Alan,
Thanks for taking the time to share your experience. I’m really pleased to hear your previous claim went through smoothly and that you’ve found the cover to be good value, especially for a higher-value device.
It’s always reassuring to know things work as expected when you need them, so your feedback is genuinely appreciated.
If you ever need any support going forward, we’re here to help.
Kind regards,
The MPID Customer Service Team
Easy and helpful
Easy and helpful, actually got a discount so it’s worked out cheaper than previous year!
21 March 2026
Reply from Mobile Phone Insurance Direct
Hi Norma,
Thanks for your lovely feedback. I’m really pleased to hear you found everything easy and helpful, and even better that it worked out cheaper for you this time around.
It’s always nice when things come together like that, and we’re glad your experience has been a positive one.
If you ever need any support, we’re here to help.
Kind regards,
The MPID Customer Service Team
Worth It for Peace of Mind
I recently purchased this mobile insurance plan and overall, I’d rate it 4 stars. The coverage is quite comprehensive and gives good peace of mind against accidental damage, theft, and screen issues. The signup process was simple and didn’t take much time, which I appreciated.
21 March 2026
Reply from Mobile Phone Insurance Direct
Hi Ranjit,
Thank you for taking the time to share your feedback. I’m really pleased to hear the cover has given you that added peace of mind and that you found the sign-up process simple and quick.
It’s great to know your overall experience has been a positive one, and we appreciate your balanced review.
If you ever need any support, we’re here to help.
Kind regards,
The MPID Customer Service Team
nearly impossible to cancel
28 March 2026
Unprompted review
Reply from Mobile Phone Insurance Direct
Hi Christian,
Thank you for your feedback. I’m really sorry to hear you’ve found the cancellation process difficult, as I understand how frustrating that can be.
We always aim to keep things as straightforward as possible, so it’s disappointing to hear this hasn’t been your experience. If you’re still looking to cancel or need any assistance, our team would be more than happy to help guide you through it.
If you’d prefer to speak with someone directly, our customer care team are available on 01702 568070, Monday to Friday, 9am to 5pm – and they’ll be happy to help however they can.
Kind regards,
The MPID Customer Service Team
Reply from Mobile Phone Insurance Direct
Hi Paula,
Thank you for your lovely feedback. I’m really pleased to hear you found the service helpful and the price competitive.
It’s great to know you’ve had such a positive experience with us, and your kind words are very much appreciated.
If you ever need anything in the future, we’re always here to help.
Kind regards,
The MPID Customer Service Team
Reply from Mobile Phone Insurance Direct
Hi Matthew,
Thank you for your kind words. I’m really pleased to hear you had an excellent experience with us.
It’s always great to know our service is making a positive impression.
If you ever need any support in the future, we’re here to help.
Kind regards,
The MPID Customer Service Team
Reasonably fast claim, but let down by faulty replacement
My phone suffered water damage, so I needed to make a claim through my insurance to get it replaced.
From making the claim to receiving the first replacement device took about a week. That’s not bad on paper, but because nothing really moves over the weekend it does make the whole process feel a bit longer in practice.
The claim itself involved quite a few photos and documents. They asked for the IMEI number, which is fair enough, but it had to be sent as a photo rather than a screenshot, which meant needing another device to take the picture.
They also required the original purchase confirmation email as proof of ownership. That makes sense, but it does rely on still having that email months after buying the phone (in my case around eight months later).
I also had to send the damaged phone off using my own packaging. Some insurers I’ve used in the past have provided packaging, so that was a small inconvenience.
Unfortunately when the replacement device arrived it turned out to be faulty. After reporting it I was asked to send photos of the phone powered on and off and of the back of the device. I understand checks are needed, but it does feel like an extra step considering it was the replacement that had been supplied as part of the claim.
I was then asked to return the faulty replacement so it could be inspected. There was a bit of back and forth around postage, as the initial instructions suggested sending it via Special Delivery at my own expense even though the device had arrived faulty. After raising this with them they confirmed they would reimburse the postage once I sent the receipt.
After the phone was inspected, I was contacted to ask if I was happy to receive the replacement in a different colour because my original colour wasn’t in stock. It wasn’t my first choice, but as I use a case anyway and mainly just wanted a working phone back, I agreed.
The replacement has now arrived and so far everything is working as it should. All in all the claim took just over a month from start to finish.
Summary
Process – quite a few steps and bits of admin along the way.
Speed – the first replacement arrived fairly quickly, but things took longer once the faulty replacement had to be returned and checked.
Result – the first replacement device was faulty and had to go back, but the claim was eventually resolved with a working replacement.
26 March 2026
Unprompted review
Reply from Mobile Phone Insurance Direct
Hi Shannon,
Thank you for taking the time to share such a detailed review. I completely understand how frustrating it must feel when a process that starts off reasonably smoothly becomes drawn out, especially when you’ve then had to deal with an issue with the replacement device as well.
You’ve raised some really valid points around the documentation requirements, packaging, and the impact of weekends on overall timescales. I appreciate that these steps can feel a bit cumbersome at times, particularly when you’re trying to get everything resolved as quickly as possible.
I’m also sorry to hear about the issue with the replacement device. I understand how disappointing that must have been after already going through the claims process once. While the additional checks may feel like an extra layer, they’re there to help ensure everything is properly reviewed so the right outcome can be reached.
If you’d prefer to speak with someone directly, our customer care team are available on 01702 568070, Monday to Friday, 9am to 5pm – and they’ll be happy to help however they can.
We do appreciate you giving us the opportunity to put things right, and I hope your next update reflects a much smoother experience.
Kind regards,
The MPID Customer Service Team
Reply from Mobile Phone Insurance Direct
Hi Edith,
Thanks for your feedback. I’m really pleased to hear you found the process easy to complete online.
We always aim to keep things simple and accessible, so it’s great to know that came through in your experience.
If you ever need any support, we’re here to help.
Kind regards,
The MPID Customer Service Team
Well Done
Reminded me it was time to renew. Clear instructions as to how to transfer policy to my new phone & good value for money.
27 March 2026
Reply from Mobile Phone Insurance Direct
Hi Nicolette,
Thank you for your kind feedback. I’m really pleased to hear the renewal reminder was helpful and that you found the instructions for transferring your policy to your new phone clear and easy to follow.
It’s great to know you also feel the cover offers good value for money.
If you ever need any support, we’re always here to help.
Kind regards,
The MPID Customer Service Team
Reply from Mobile Phone Insurance Direct
Hi Anita,
Thank you for your feedback. I’m really pleased to hear you found the price competitive and the website easy to navigate.
We always aim to keep things simple and straightforward, so it’s great to know that reflected in your experience.
If you ever need any help in the future, we’re here to support you.
Kind regards,
The MPID Customer Service Team
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